Presented by Rich Mangiameli Change is something that will happen to you and me in our lifetime. It might be a new home, a job/career change, the birth of your child or grandchild, the need for care of your parents, spouse or even you. It might be a divorce or the death of a loved one – whatever change life has to offer us, it will either be a pleasant or a difficult time. What you need to remember is that your clients are going through these changes in some form or fashion, and as an agent, it’s important that you keep up with their current life events and changes. It is also important that you review annually with each of your clients changes in goals, assets or needs, which means that you need to be there with the advice to protect, guarantee and plan for the future. And, it’s important that you always review the BENEFICIARIES of their life insurance, annuities, IRA’s, 401k, pensions, CD’s and other investment assets to be sure that in the event something happens to your client, those assets are distributed to the person(s) they really want it to go to. Remember, the Last Will and Testament does not override the Beneficiary Designations that might have been set up years ago.